I'm 38 years old and I have roughly $23,000 in an annuity that I haven't contributed to for several years. It just keeps growing at about 12-15% per year. About a year and a half ago, I began investing with $4000 from the sale of a house and put in another $800 or so. Now that account is over $8500. My Question: Should I take the money out of the annuity and put it to better use out here in the "foolish" world? What are the pros and cons?